Link, checkout or API
Share a payment link, redirect to a hosted page or create payments through the API from your own site.
Stablecoins · Guinea-Bissau
Accept USDT and USDC payments in Guinea-Bissau
Collect USDT and USDC payments in Guinea-Bissau through a payment link, hosted checkout or API, using the assets and networks enabled for your account.
Create a business account
Stablecoin payments in Guinea-Bissau depend on your account, its verification and the assets and networks enabled.
USDT
USDCStablecoin payments
Your prices in local currency.
Your customers pay in USDT or USDC while you price and keep your accounts in XOF. The checkout shows the asset, network, amount and address for each payment, and your merchant workspace tracks its confirmation. Assets, networks and limits depend on your account and its verification.
Exact instructions for every payment
The customer sees the asset, network, amount and address to use. Sending on the wrong network can lose funds.
Confirmation tracking
Fulfil only when the payment shows confirmed in your merchant workspace, never on the strength of a screenshot.
Know the risks
Stablecoins are designed to track the US dollar but can deviate. They carry issuer, market and network risks and are not bank deposits.
How it works
Create your business account
Register your business in Guinea-Bissau and complete the required verification. Enabled features appear in your workspace.
Create the payment
Generate a link, a checkout or an API payment for the order amount.
The customer pays in stablecoins
The customer sends the exact asset on the stated network to the address shown for that payment.
Reconcile and fulfil
Track the confirmation in your merchant workspace, then process the order.
Accepting stablecoins in Guinea-Bissau: what the BCEAO has said and what to check
Guinea-Bissau is one of the eight member states of the West African Monetary Union, whose common currency, the CFA franc (XOF), is issued by the BCEAO. If stablecoin payments are enabled for your account, your customers pay in USDT or USDC while your business keeps its prices, invoices and accounts in XOF terms. Decide how you set the XOF price you quote, and record the stablecoin amount actually received for each order so your books can be reconciled. A stablecoin is not CFA francs and is not a bank deposit.
What the BCEAO said in May 2026
At an international conference it held in Dakar on 8 May 2026, the BCEAO, the central bank for Guinea-Bissau and the other Union states, drew attention to the risks of crypto-assets, including high volatility, their cross-border nature, cybersecurity, consumer protection and the fight against money laundering. Its Governor also said the BCEAO has set up a committee to draft the regulatory framework for crypto-assets in the Union, and the central bank describes its aim as an orderly integration of innovation rather than curbing it. As that framework is still being prepared, check the BCEAO’s latest publications before you rely on stablecoin payments.
Virtual assets in the regional anti-money-laundering law
The uniform anti-money-laundering law adopted by the Union’s Council of Ministers on 31 March 2023, and published by the BCEAO, defines a virtual asset as a digital representation of value that can be exchanged or transferred digitally. It states that no one may carry on the professional activity of a virtual asset service provider without prior approval or authorisation from the competent authority. Whether and how that text applies to your business in Guinea-Bissau is a question for a qualified adviser or the competent national authorities. Either way, keep each order, customer and payment reference together in your records.
Confirmed in the workspace, then fulfil
The BCEAO describes stablecoins as crypto-assets that aim to maintain a stable value relative to a given asset or basket of assets: an aim, not a guarantee. Fulfil an order only after the payment shows as confirmed in your workspace, never on the strength of a customer’s screenshot or message. Check that the asset and network match what the checkout displayed. If you refund, send the same asset on the same network to an address the customer confirms, and keep a record of it. Set out your refund and dispute terms in XOF before the sale.
These BCEAO sources describe Guinea-Bissau’s currency, the central bank’s statements on crypto-assets and the regional anti-money-laundering law. They do not establish a ZyndPay licence, partnership, regulatory approval, or availability for your account.
FAQ
Your questions. Answered.
Can a business in Guinea-Bissau accept USDT with ZyndPay?
If stablecoin payments are enabled for your account after verification, you can create USDT and USDC links, checkouts or API payments. Availability depends on your account and the checks that apply.
Do my customers in Guinea-Bissau need a ZyndPay account?
No. Customers pay from the wallet of their choice, following the asset, network and address shown on the payment page.
How do I price in XOF?
You keep your prices and accounts in XOF. The stablecoin amount to pay is shown to the customer before payment; check the terms and fees in your workspace before you start.
How do refunds work?
Refund in the same asset and on the same network, to an address the customer confirms. Keep the reference of the original payment.
Should a business in Guinea-Bissau still price in CFA francs when accepting USDT or USDC?
The BCEAO describes the CFA franc, which it issues, as the common monetary unit of the West African Monetary Union, of which Guinea-Bissau is a member. Quoting prices and keeping accounts in XOF, while recording the stablecoin amount received for each order, keeps your records consistent. For tax or accounting treatment, check with a local accountant.
Is there a dedicated crypto-asset regulation covering Guinea-Bissau yet?
In May 2026 the BCEAO said it had set up a committee to draft the regulatory framework for crypto-assets in the West African Monetary Union, which includes Guinea-Bissau. The BCEAO sources cited here do not describe that framework as finalised, so check the BCEAO’s regulations pages for the current position.